Credit card security and fraud are increasing concerns as we move towards a cashless society. Credit card data breaches represent a significant risk and a growing amount of economic loss across the globe. Many aspects of credit cards make retailers and banks vulnerable to fraud and in the case of merchants, customer loss. Blockchain is a potential solution to mitigate this credit card fraud. 
Expanding on this approach, fraudulent credit card transactions caused by intermediate parties would be reduced with the help of a proposed blockchain solution with fraud detection technologies. This technology will increase transparency between banks and their customers while also preventing fraud before it occurs, helping institutions avoid losing millions to fraud-related losses. 
Our conceptual model implements a federated and coordinated central blockchain branching into personal blockchains which are protected via two factor authentication. This work focuses on sophisticated methods for securing credit card information, eliminating the burden and risk of credit card fraud activities by an unauthorized party, and ensuring that only the issuers and the user of the credit card knows what it is, this will significantly minimize the likelihood of credit card fraud.